Complaint Details

Status	:	Un-Resolved
Complaint No	:	0001423/2011
Category	:	Credit Card
Date	:	24-08-2011
Subject Line	:	Absence of support from bank and torture on theft of card
Complainant	:	Pranav Kulkarni
Address	:	B-103, Gokul Heights, Thakur Complex, Kandivali East,
Complainee	:	Standard Chartered Bank
Address	:

Complaint Details
I hold Stan C Manhattan Platinum Card (Card no. 4541982339777960) and
an add on card (Card No. 454198232858096) in the name of my wife,
Mekhala.
On 8th August 2009, her card was stolen but we got to know about it
only on 11th Aug 2009 when Mr. Rahul from StanC called us.
We immediately asked him to block the card, however transactions worth
Rs. 86000/- were already carried out on it.
We gave a call to customer care again and tried getting the transaction
details. The customer care executive were very helpful & tried to
console us by telling that there is a fraud investigation department
which will help us & we need not to worry.
Unfortunately, that was the only time that the bank helped us.
We went out of the way to find out who the fraudulent is. We went to
Globus, Bandra, where the first transaction had taken place. We
requested the store manager and saw the CCTV footages. We recognized
him to be one of her subordinates in office. We immediately went to the
police & filed an FIR (copy attached). Since the fraudster had come to
work that day, we could get him arrested. He immediately accepted his
crime. We thought we’ve won the battle. But alas! It was not to be.
The Police asked us to give the location details of the transactions
for further investigation. But bank flatly refused to give anything
else except the names.
Police was right on their part that they needed the location details to
carry out investigation as there could be a hundred Raju Jewellers. But
the bank did not co-operate saying that as per policy it’ll take
minimum 45 days to get those details.
The matter would have closed there and then if the bank had helped us.
By the time, the details reached me the fraudster had already got out
on bail. Not to mention, the copy of charge slips had some weird
signature, which does not belong to my wife.
After that what started was a series of phone calls and mails. I
started getting calls from the bank to pay the money bank.
Surprisingly, I did not receive a single call from the (supposed) Fraud
Investigation Department. But from the collection department, there
were plenty.
Every time I got a call I used to tell the whole story to the caller &
s/he would say that I’ll forward the matter to the concerned
authorities. Somehow those concerned authorities never bothered to talk
to me or meet me.
I can’t remember every one’s name but I certainly remember Ms. Saroj
Dhuriya who shared her mail ID with me & I sent her all the details
(7th Jan 2010).
Earlier also the mails sent to customer care (14th Aug, 15th Aug, 19th
Aug, 28th Aug, 5th Sep, 18th Sep, 8th Oct, 20th Oct) had all the
details (including the scanned FIR copy) but I thought Ms. Saroj would
help me so I sent all the mails to her once again. But that too was in
vain.
Again after some time in the month of Dec 09 or so, I got a call & Mr.
Sandesh Sawant asked me to come & meet in his office. I was kind of
happy that at least now someone is listening to me. I went and gave him
all the details with documents. He listened to my issues patiently and
said he’ll take the case up & help me. However, the same old story no
response from any one.
The limit was crossed on 13th April 2010. I went to meet Mr. Ravi
Bangude and explained him all the details. He heard me out and took the
documents to Mr. Rahul Sharma.
This Mr. Sharma came to me and started talking as if I’m either a
criminal who has stolen the bank’s money or as if I’m a beggar who is
begging for a settlement. He was so rude in his behavior that I really
thought how he could be at a managerial cadre in a bank like Stan C.
He gave me all possible gyaan in the terms how I’m at fault & how I
should take care of my things. He was not only rude but he also
threatened me that I’ll soon start getting harassment calls from the
bank & I’ll have to face a lot of unpleasant consequences.
This is the last thing that I could have expected from a bank of Stan
C’s stature.
This whole episode is causing me a great amount of mental stress and
trauma and I’m sure that is worth much more than those 86000/- Rs.
I would request you to kindly look into this matter and resolve it as
soon as possible.
This has been happening and I keep getting calls in between whenever they remember. Today, 24th AUG 2011 also I got an officer from their collection dept at my place. After 2 years also I had to repeat my entire story and he was not told anything about it. I am at loss and cannot handle this trauma anymore. My credit rating is geeting affected for no fault of mine. I have always been a responsible citizen and a responsible customer and all my other bills have always been paid on time. Request you to help me get justice.



Regards,
Pranav Kulkarni
+91-9920755525

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